Terraform Labs CEO Do Kwon announced a possible “solution” to deal with the massive crash LUNA and UST experienced over the last couple of days.
TerraUSD (UST), a stablecoin pegged 1:1 to the U.S. dollar, lost over 50% of its value in an unheard-of event in the crypto space.
Stablecoins serve as hedging havens during extreme volatility because they have the backing of stable assets. However, unlike other stablecoins, TerraForm Labs leveraged a different mechanism to keep UST stable. Specifically, the stablecoin project leveraged complex algorithmic processes linked to Terra (LUNA).
However, LUNA plummeted after investors bailed following the de-pegging of UST. As a result, the coin lost 98.49% of its value over the past seven days. LUNA is currently trading at 0.8755. Its trading volume has also shed over 50% in the day.
At the time of writing, UST is changing hands at $0.3434 after losing 64.18% over the last seven days. Earlier today, the stablecoin traded as low as $0.2998.
TerraForm Labs comes up with a solution to restore UST’s peg
Explaining what is preventing the stablecoin from regaining its peg, Kwon said:
The price stabilization mechanism is absorbing UST supply (over 10% of total supply), but the cost of absorbing so much stablecoins at the same time has stretched out the on-chain swap spread to 40%, and Luna price has diminished dramatically absorbing the arbs.
Proposing a solution, Kwon noted:
Before anything else, the only path forward will be to absorb the stablecoin supply that wants to exit before $UST can start to repeg. There is no way around it. We propose several remedial measures to aid the peg mechanism to absorb supply.
To achieve this, he suggested endorsing the community proposal 1164, which would allow Terraform Labs to increase UST’s base pool from $50 million to $100 million SDR.
Additionally, the company would reduce the PoolRecoveryBlock from 36 to 18 to help improve the minting capacity from $239 million to around $1.2 billion.
Kwon acknowledged that this solution would be costly for UST and LUNA HODLers. However, he informed the Terra ecosystem that he and his team would continue exploring options to bring in more exogenous capital to the ecosystem and minimize the supply overhang on UST.
Kwon added that as they rebuild UST, Terraform Labs would adjust its collateral mechanism.
UST has the support of prominent figures
Ava Labs founder Emin Gün Sirer defended UST in a Twitter thread on May 10, saying the crypto ecosystem needs a decentralized algorithmic stablecoin that is censorship and seizure resistant. He added that the market does not have room for more than one algorithmic stablecoin, and UST is the only option because it is the largest.
Gün Sirer further noted that UST runs on a resilient blockchain network under heavy load. Additionally, Terraform Labs is based in South Korea, which has friendly regulations for algorithmic stablecoins. To this end, he believes UST has the potential to recover. According to him, every stablecoin in the market has been de-pegged at least once.


In challenging times, virtual and remote communication has become a necessity. In this frame, healthcare professionals have shifted from the usual in-person care and started conducting remote patient consultations. Interacting with patients virtually or by phone can be challenging as practitioners need to continue providing support and medical education, follow up on patients, manage expectations, and ensure patient adherence.
It is more critical than ever for healthcare professionals to sharpen and empower their communication skills to succeed in patient care and use remote practice effectively, maintaining a trusted doctor-patient relationship in the absence of face-to-face consultation.


Homeowners Insurance Irvine: Make Sure Your Property Has The Protection
Property insurance has many complications and can be challenging to understand. However, you don’t have to figure things out on your own. If you do everything you can to safeguard your family and maintain your property, you might be wondering how safe your home and things will be if something unexpected occurs. You might also have a concern about the financial consequences of an incident.
Homeowners Insurance Irvine protects you financially against dangers such as house fires, burglaries, and storm damage. Is it sufficient to cover your liabilities and the risks to your assets? You can get all of your questions addressed and a policy in place that matches your specific needs when you work with our insurance agent.


Skills inventories help organizations prepare for the future and avoid skill deficits. However, a skills inventory is a large undertaking that requires proper consideration and investment to support. Use the
Skills Inventory Job Aid to: Understand the effort required and available technology for building a skills inventory. Define the need for a skills inventory. Implement a skills inventory.
Use this job aid to select a skill collection approach that works for the organization.


The Hinckley Institute Radio Hour — This week on the program, a panel of experts discusses the current inflation and its relation to consumption, labor, the pandemic and corporate power.
Last month, the Federal Reserve raised interest rates by 0.25% in an attempt to combat inflationary pressure, the first such move since late 2018. But the move has yet to curb raising prices or significantly slow the stock market. However, the Fed has signaled the intent to hike interest rates later this year.
This week’s panel attempts to demystify the causes of inflation and offers potential public policy solutions that could ease the squeeze felt by consumers. The panel includes Dr. Ivan Mendieta-Munoz, assistant professor of economics at the University of Utah; Phil Dean, public finance senior research fellow at the Kem C. Gardner Policy Institute; and Marshall Steinbaum, assistant professor of economics at the University of Utah. Moderating the panel is Rudi Von Arnim, associate professor in the Economics Department at the University of Utah.
This forum was recorded on March 2nd, 2022.
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The Minnesota Department of Transportation (MnDOT) urges the public to use extra caution when approaching traffic signals following a heavy snowfall event. Motorists and pedestrians should be prepared to stop at intersections with traffic signals, as snow-covered traffic indications can be challenging to see.
For reasons of energy efficiency and longer service life, the State’s traffic signals have switched from using incandescent bulbs to light-emitting diodes (LEDs). LEDs produce less than half the heat as incandescent bulbs, and do not emit enough heat to melt off snow and ice that may accumulate on them.


Supporting Social Purpose Organizations and enabling their success is key to Canada’s economic, social, cultural and environmental success today and in the future. Social entrepreneurs and their social enterprises are focused on building a more sustainable and resilient future through innovative work aimed at collaborative systems change. However, impact-driven entrepreneurs can often encounter some unique challenges when it comes to brainstorming innovative ideas and solutions, building capacity, or accessing financial support.
Funded by the Government of Canada, the Investment Readiness Program (IRP) is a $50 million grants and contributions program over two years (2021 to 2023) designed to support social purpose organizations (SPOs) as they contribute to solving pressing social, cultural, and environmental challenges across Canada. The program is delivered by 26 organizations.
Mindful of the challenges that lie ahead for social entrepreneurs and social enterprises, we are bringing together a group of experts and advisors in this field, to equip you with some of the foundational knowledge, tools, and resources needed to successfully and confidently navigate your journey to systemic change.
Register for this webinar to learn more about social entrepreneurship, social funding, and the Investment Readiness Program.
Key Learning Objectives:
Knowledge of the Investment Readiness Program, social funding, and the funding process.
Challenges in the social entrepreneurship journey and resources available to tackle them.
Hear from social entrepreneurs on how to build a sustainable business and secure funding.
Tuesday, November 8, 2022; 12 - 1 PM EST
Susanna Redekop: Engagement Manager, Canadian Community Economic Development Network (Moderator)
Wayne Miranda: Policy Analyst, Employment and Social Development Canada
Michèle Bridger: Manager of Strategic Initiatives, Community Foundations of Canada
Zahra Qureshi: Founder, Social Venture Circuit
Open to social entrepreneurs, Social Purpose Organizations and Investment Readiness Program Partners.


Property Managers are Benchmarking Amenities to Determine Their True Price
Surveys reveal apartment residents’ favorite amenities, but the exact value is hard to determine for managers. Studies show that community features can add up to $80 in rent monthly, which is hard to ignore. It’s therefore essential that managers benchmark their property’s features to better understand their prices. Conventional prices were determined based on the amenity’s initial investment and payoff time, but that could lead to overvaluation. High rents may lead to apartments that are well-equipped but empty. Finding reliable pricing data is the first step to optimizing prices for multifamily operators.
Follow us on social media for the latest updates in B2B!


This piece was roused by a recent revelation of the power in owning my own words to redefine my social boundaries, coming to terms with deep-seated self-diminishment, and revealing a simple change that has liberated my being. “Word of Mouth” by Grace Morse
“Autistic hijacking,” she declared. Immediately, I felt flawed. Visceral repulse fluttered in my stomach. Sitting on the floor, my seat bones began to ache as moments passed, pressing deeper into the beige carpet, and greeting the plywood underneath. Eyes redden by streams of tears, paying glory to this uncontrollable parasympathetic force, I gawked at my counselor through the computer screen. Hair pulled up into a bun that resembled a newly established bird’s nest, and teeth feeling fuzzy, I was not ready to begin my morning with what felt like a criticism.
Until a few years ago, my idea of mental health was analogous to that third cousin you “knew of” but only acknowledged at mandatory family reunions. Yet, I eventually found myself hitting the inevitable rock bottom that makes you yearn for peace. Oh sweet, internal contentment. Since then, I’ve delved into family patterns, unconscious pains, and wrestled each emotional alligator to the ground, nearing an enlightened Steve Erwin, if you will. But “autistic hijacking”? This was outside my niche of cognition.
You see, I have been holding back my truth — my own words — for years. Decades, really. This process was subconscious — an overriding attempt to hide in silence. A defense to living in a home riddled with alcoholism, quieting myself meant survival. And so, as my words (truth) bubbled in my gut, rising to my diaphragm, teasing my vocal cords, I would, as my counselor explained “redirect (your words) elsewhere in an attempt to acquiesce.” I would steal — hijack — from my truism in attempts to stay unseen. Colloquially, we may call this “biting one’s tongue” to prevent discord (and no one appreciates the sudden surprise of chomping on that fleshy muscle mid-bite by happenstance).
Resultingly, conversations, no matter how simple the topic or with whom, would evoke a difficulty. Even more dangerously, from that, I would become riddled with frustration. How maddening it is to not speak! To not let loose the cannons of verbal recourse — no matter the mundaneness of the topic! Instead, I would recoil. What would happen if I spoke and no one agreed? Rejection. Shame. Misjudgment. I would, in all ways, become socially awkward and untoward. Frustrated at myself, but expelling these tendencies to those around me, I began to recognize how this had a metaphoric flavor of a social disorder.
Although sitting on the floor in confusion with tear-soaked eyelashes that morning, this ignited a quest to speak one truth per day. A small, attainable goal. Yet, this has propelled me into a realm of freedom like no other! Albeit I have failed and retreated once too many, stuffing the words away. But a gentle tug back, and I’m reminded to untangle my words so they may flow and meet the estuary of the surrounding environment; without departing my soul. I choose to no longer hide in incongruent falsity. And so, from my gut to mouth, I slowly reclaim each word as it journeys to tell the whole story, my story.
Hear from the Author
What is it about writing?
Writing has given me a medium in which I can explode from the seams, every thoughtful intrigue that comes across my psyche. My psyche is the origin of all emotions, visceral feelings and passion. Without writing, I believe I would be muted from my truest reality; a void that only silence fills.
Why medicine?
Medicine chose me. I know my purpose is to live a life of service, and like writing, which is a medium to express the soul, medicine is a medium in which I can serve others. I embarked on a medical mission and witnessed a truly unfortunate experience of poor bedside manner… When we empathize with the human experience of suffering, we truly neglect all selfish purposes and decide towards a path of relentless giving.
What motivates you through tough times?
Three-second moments of hope. Sometimes it occurs five times a day and other times, once. Some days, I feel fraudulent. Others, I feel empowered. It is an undulating process. Chronic depression has been every bit of my reality as the necessary action of brushing one’s teeth each day. I choose not to numb my reality with substances, people and experiences. If you do not numb, you may stay in the present. And if you stay in the present, you may be able to have that hope that permeates its way through our realities.


The 2022 National School Bus Safety Week is
October 17-21. Children riding to school via bus are 70 times more likely to get to school safely compared to riding in a car. And thankfully, accidents involving school buses are rare, but they are particularly disturbing when they occur. Safety Reminders
Please allow the below to serve as a safety refresher of the rules of the road regarding school buses:
Motorists must stop at least 10 feet away from school buses that have their red lights flashing and stop arm extended. Motorists must stop when they are behind a bus, meeting the bus or approaching an intersection where a bus is stopped. Motorists following or traveling alongside a school bus must also stop until the red lights have stopped flashing, the stop arm is withdrawn, and all children have reached safety. If physical barriers such as grassy medians, guide rails or concrete median barriers separate oncoming traffic from the bus, motorists in the opposing lanes may proceed without stopping. Do not proceed until all the children have reached a place of safety. Pennsylvania’s School Bus Stopping Law – Penalties if Convicted $250 fine Five points on your driving record 60-day license suspension
For more information, review Pennsylvania’s School Bus Stopping Law Fact Sheet.
Please feel free to share this content, especially with younger, less experienced drivers.
Scott Bonebrake practices law in Media, PA, and has been a licensed attorney for 27 years. Please feel free to contact Scott if you have any legal questions. You can reach Scott at 610-892-7700, or at sbonebrake@noelandbonebrake.com.


Uncovering ultra-fast plant enzyme dynamics could advance cereal production, medical and pharmaceutical industries
Researchers from the University of Adelaide have uncovered previously unknown properties in a plant enzyme that could lead to advances in cereal production, medical and pharmaceutical industries.
The research—published in
Nature Communications—also has the potential to be applied to the design of chemicals, drugs, herbicides and pesticides where enzymes are an environmentally friendly and cost-effective alternative to current methods.
"We discovered these enzymes are not rigid, as often seen in crystal structures, but are flexible and prone to remarkable changes in shape," said project leader Emerita Professor Maria Hrmova, from The University of Adelaide's School of Agriculture, Food and Wine, and the Waite Research Institute.
"This was achieved by examining the binding behavior of sugars in the enzyme at ultra-fast time scales.
"We solved 25 new crystal structures and combined the structural data with powerful multi-scale modeling, which revealed unexpected dynamic processes in a plant enzyme.
"Our study provides a blueprint on enzyme dynamics, which was inaccessible before.
"This means we could potentially improve the properties of the enzyme that are critical to germination and the way the roots grow, leading to higher barley yields, which is crucial in cereal production.
"There are also a variety of other fields that this research could apply across multiple industries and products.
"This work is the result of eight years of research, not only from the School of Agriculture, Food and Wine and the Waite Research Institute, but other institutions in Australia, and also in China, France, Spain and Thailand.
"It has truly been a collaborative effort and one we are extremely proud of, especially when food scarcity is such a critical and important issue around the world. The possibilities that stem from this work are endless."
Enzymes are essential to life. They significantly increase the rate of a chemical reaction without undergoing any permanent chemical change to themselves.
But when enzymes convert, the substances with which an enzyme operates move in and out from the enzyme at high speed.
This process inhibits the investigation of these interactions using standard experimental techniques—a problem that brought to light using this multidisciplinary approach.
"This work could lead to significant improvements in catalytic rates, stability, and product inhibition in these enzymes," said Emerita Professor Hrmova.
"The new findings are applicable for developing or manufacturing products through new forms of bioengineered enzymes that could be applied outside of biological systems through the chemical and biotechnology industries."
More information: Sukanya Luang et al, The evolutionary advantage of an aromatic clamp in plant family 3 glycoside exo-hydrolases, Nature Communications (2022). DOI: 10.1038/s41467-022-33180-5 Journal information: Nature Communications
Provided by University of Adelaide
Citation: Uncovering ultra-fast plant enzyme dynamics could advance cereal production, medical and pharmaceutical industries (2022, September 26) retrieved 7 December 2022 from https://phys.org/news/2022-09-uncovering-ultra-fast-enzyme-dynamics-advance.html


When you swim, your body moves through water with forces. Often, these forces are applied to your body by pulling the water backward. A third law of swimming states that an object applies an equal force in the opposite direction. This law makes it easier for non-swimmers to understand how the water moves. Knowing these…
Statistics reveal that nearly two-fourths of Americans have visited a casino in the last year. In 1989, this number was 24%. The same percentages went to the casino in 2008, and two-fourths in 1989 had a graduate degree. A further 28% of Americans had some college credits or an associate’s degree, and nearly half had…


This course focuses on planning for instruction. It is part of a series covering instructional practices. These practices were identified through an extensive, systematic meta-analysis* of the high-leverage practices for students with disabilities. Those who enroll in this interactive course will be able to do the following:
Identify the three key steps in planning for instruction. Describe how to set meaningful learning targets using individualized education program (IEP) goals and/or grade-level standards; identify learning targets to set a clear sequence for instruction; and establish clear lesson objectives with aligned practice opportunities.
To access this content you will need to log in or register for an account in the PROGRESS Center and NCII Learning Module Library. You will only be able to access the course completion certificate once the module has been completed. Please contact studentprogressmoodle@air.org with any questions.
*Nelson, G., Cothren Cook, S., Zarate, K., Powell, S.R., Maggin, D.M., Drake, K.R., Kiss, A.J., Ford, J.W., Sun, L., & Espinas, D.R. (2021). A systematic review of meta-analyses in special education: Exploring the evidence base for high-leverage practices.
Remedial and Special Education. https://doi.org/10.1177/07419325211063491


What Is Digital Transformation in Oil and Gas?
What Is Digital Oil & Gas Solutions Transformation? Digital transformation will have an impact on the oil and gas industry. This change will come about in many ways. Intelligent automation, eyewear, tablets, and HUDs will change how workers interact with the field. And, they will give operators instant information and data. Here are some of the challenges and opportunities the industry will face. To get ready for the digital transformation, oil and gas companies must understand the future of their industry.
Opportunities
The oil and gas industry is a leading proponent of digital transformation, and the first wave of digital technologies emerged during the 1980s and 1990s. Through these technologies, oil executives could swell wells at depths never before possible, improve their prospecting and production efforts, and reduce operational costs. Digitization is not just about adopting new technologies, though. It's also about bringing new insights and methods into oil and gas operations, enabling companies to increase their agility and make better strategic decisions.
Increasing automation and artificial intelligence have become integral to oil and gas operations. Artificial intelligence can predict leakages in near-real time, and the use of IoT sensors can increase worker safety. Increasingly, automation and AI are driving digital trends in the oil and gas industry. Government mandates for energy sustainability and greenhouse gas reduction policies are also driving these trends. However, the challenges of oil and gas digital transformation are many.
Embracing digital transformation requires a comprehensive and thorough business transformation. Oil and gas companies must embrace technology and create a culture that attracts digitally focused employees. Digital transformation is necessary for oil and gas companies to realize full value from their investments. It will also be necessary to invest in new infrastructure, such as digital hubs and cloud-based solutions. For oil and gas companies to fully benefit from digital transformation, they will need to adopt five key technologies.
Challenges
The EY Oil and Gas Digital Transformation and Workforce Survey 2020 highlights some of the biggest challenges oil and gas companies face when implementing digital transformation. These challenges stem from the fact that oil and gas companies are notoriously process-driven. Every step of the value chain is organized by rules and regulations aimed at creating a routine working environment. These rules and regulations stand in the way of effective transformation of the sector. To overcome these hurdles, oil and gas companies need to embrace digital transformation and develop the right skill sets and mindsets.
As with any industry, oil and gas companies are facing many obstacles. They face a workforce that is aging and a culture of conservatism. They also face the double challenge of being seen as environmentally unfriendly, conservative, and unable to adopt new technologies. Despite these challenges, many oil and gas companies aren't yet aware of the difficulties in embracing digital transformation. Nevertheless, they need to realize that they need to take advantage of this technology if they hope to achieve the expected benefits.
While oil prices are on the rise, oil companies need to optimize operational efficiency at existing facilities. This means reducing the number of wells and optimizing the efficiency of existing facilities. Digital transformation is a great way to achieve this goal. But despite all the challenges, the benefits of digital transformation can be seen across the entire industry. With more efficient operations, oil companies can extract the maximum value from their resources. But managing change is not an easy task, as the resources and manpower required to do so are limited.
Workforce
The oil and gas industry has seen its share of challenges in recent years, including declining production, a lack of new talent, and new regulatory frameworks aimed at limiting emissions. Now, decarbonization is the second most important area of concern for oil and gas executives. Digital transformation presents a new opportunity to be proactive in reducing emissions and energy waste. Advanced analytics can help detect failures and boost energy efficiency.
As oil and gas companies have increased their focus on digitisation, data has become a critical tool for improving business operations. To make the most of data, employees must be equipped with the necessary skill sets. This means upskilling the workforce in new technologies. New roles are emerging as a result of increased reliance on data, which requires the use of analytical and problem-solving skills. This means expanding the workforce to include people with a variety of skills, from engineers to mechanics to software specialists.
New health and safety requirements demonstrate the need for new workplace strategies, and the oil and gas industry is no exception. As the industry has embraced remote operating centers (ROCs), a single petroleum engineer can manage operations in several well sites. Other innovations have included supply chain management, which automates contracting, quality assurance, and accounting. Automation can also lead to redundancies and new skills. However, the panelists noted that there are benefits to both. The oil and gas industry can take advantage of this trend by rethinking their existing roles and engaging their workforce in the digital transformation process.


It’s exciting to live and work abroad. It allows you the chance to experience life from a different perspective and adjust to situations that are foreign to you. Additionally, you have a ton of fascinating tales to share with family and friends back home. But a significant aspect of living abroad is the potential need to move money abroad or convert currency and have to be concerned about the
forex rates. You could just complete this in person at the bank or exchange provider, right? Yes, it is one approach to tackle it, but it’s not the only one.
The good news is that you may easily
buy currency online rather than going to a bank or other financial institution in person. However, the actual benefit of going digital with your transfers is that you can frequently save money. The internet has made life easier in a variety of ways, making it simpler than ever to exchange money online. Additionally, you may rely on receiving excellent rates and service when using money exchange services. If you want to exchange money right away or wait until rates improve, you can check the mid-market rates in real-time. It takes just a few minutes to sign up and receive your quote for a money transfer if you’re satisfied with the current rate.
The primary advantage of money exchanging online is time savings. There is never a service line in a bank or other financial establishment. Online
foreign currency exchanges are safer since they are recognized by international financial organizations. After each transaction, a confirmation email or SMS is provided to you, enabling you ongoing access to virtual records. Online exchange providers operate around the clock. Customer care is available around the clock by phone or chat. If there are any issues with your transaction or issues that need human involvement, you can obtain help right away.


Mindfulness is a kind of meditation, also known as mindful meditation, wherein you center on being strongly aware of what you're observing and feeling at the time, without understanding or judgment. Rehearsing mindfulness includes breathing strategies, directed symbolism, and different practices to loosen up the body and brain and assist with lessening pressure.
Investing excessive energy in arranging, critical thinking, fantasizing, or figuring negative or arbitrary musings can be depleting. It can likewise make you bound to encounter pressure, tension, and manifestations of discouragement. Rehearsing mindfulness activities can assist you with coordinating your consideration away from this thought process and drawing in with your general surroundings. The following points explain why we should do mindful meditation and the advantages of mindful meditation:-
Helps Stress Reduction
Stress decrease is perhaps the most widely recognized reason individuals attempt meditation.
Typically, mental and actual pressure cause expanded levels of the pressure chemical cortisol. This produces many hurtful outcomes of stress, for example, the arrival of fiery synthetic compounds called cytokines. These impacts can upset rest, advance despair and tension, increase pulse, and add weariness and shady reasoning. Moreover, research has shown that meditation may likewise further develop manifestations of stress-related conditions, including crabby entrain condition, post-awful pressure issue, and fibromyalgia. Many styles of meditation can assist with diminishing pressure. Meditation can similarly lessen manifestations in individuals with stress-set off ailments.
Helps in Overcoming Anxiety and Depression
Meditation can decrease feelings of
anxiety, which means less tension.
A meta-investigation including grown-ups observed that meditation might diminish tension. Outstandingly, this impact was most grounded in those with the most significant levels of uneasiness. Additionally, one investigation discovered that two months of mindfulness meditation decreased nervousness in individuals with summed-up tension issues, alongside expanding positive self-proclamations and further developing pressure reactivity and adapting.
Helps in Improving Self-Awareness
A few types of meditation might assist you with fostering a more grounded comprehension of yourself, assisting you with developing into your best self. For instance, self-request meditation unequivocally intends to help you with boosting a more superior understanding of yourself and how you identify with everyone around you. On the other hand, different structures encourage you to perceive contemplations that might be unsafe or reckless. The thought is that as you gain more prominent attention to your idea propensities, you can control them to increase your productivity. Moreover, experience in meditation might develop more innovative critical thinking abilities.
Conclusion
Mindful meditation is one of the best ways of overcoming various
mental health problems like stress, anxiety, and depression. Some doctors specifically prescribe their patients to perform mindful meditation as a part of their treatment. Self-awareness is one of the biggest reasons behind this because it helps you understand yourself, allowing you to become more effective and efficient.
The points in the above paragraph explain the term mindful meditation and explain the importance of regularly performing mindful meditation. The context in the above also describes the advantages that we can get from performing mindful meditation every day. If you are suffering from anxiety or cannot relax, then you can try mindful meditation.


Research indicates the average American has a one in 50 chance of being bitten by a dog. While dog bites can be gentle and may not cause significant harm, some animals can cause serious injury or death to a victim if they attack.
Pet owners have a responsibility to protect others from such harm. If you have been injured or a loved one has been killed in a Fort Lauderdale dog bite or animal attack incident, you may be able to recover compensation for medical bills and related losses.
Discuss your case with a Fort Lauderdale dog bites and animal attacks attorney to learn more. If you have a valid case, attorney Brian L. Elstein and our team at Elstein Legal are prepared to help you pursue what you may be owed by offering aggressive representation.
Fort Lauderdale Dog Bite & Animal Attack Cases: Important Information
Florida law provides dog bite and animal attack victims legal grounds to seek compensation for their losses if the incident occurred in a public place or on the property of the animal’s owner. The victim must have had a legal right to be on the property at the time of the attack to be eligible for compensation. Unlike some other states, Florida pet owners can be considered liable in these circumstances even if they did not have previous knowledge of their pet’s viciousness.
The amount of compensation you may eventually receive when filing a claim or lawsuit against a negligent pet owner after a Fort Lauderdale dog bite or animal attack can be reduced significantly if the owner successfully argues that your own negligence contributed to the accident. They may claim you provoked their pet or blatantly ignored clearly posted “dangerous dog” warning signs. An attorney can help determine you is liable in your complex case.
The Role of a Dog Bite & Animal Attack Law Firm in Fort Lauderdale
There are many benefits of working with a personal injury law firm near Fort Lauderdale when seeking compensation after a dog bite or animal attack incident. If the pet’s owner falsely accuses you of being negligent, legal representation can play a critical role in proving this is not the case.
We can also account for your various losses to accurately determine how much compensation you may seek. A qualified Fort Lauderdale dog bite and animal attack lawyer has the expertise necessary to calculate the dollar value of such losses.
Most importantly, we can negotiate for a fair payout on your behalf and handle all administrative tasks the claims or lawsuit process may involve. This allows you to focus on your recovery.
Why Choose Elstein Legal to Represent your Case?
Since opening Elstein Legal in 2018, Brian L. Elstein has
recovered millions on behalf of his deserving clients. A cum laude graduate of Nova Southeastern University, Brian Elstein honed his skills early as a member of the Nova Trial Association.
Today, he is recognized by The National Trial Lawyers as a
Top 40 Under 40 Lawyer in Florida and has been selected to the 2022 Florida Rising Stars list by Super Lawyers Magazine – a distinction given to only 2.5% of attorneys in Florida, and named 2022 Best Litigation Attorney by Expertise.com. Our Location Contact Us for a Free Consultation
If you have injuries due to someone else’s negligent behavior, you deserve compensation to help recover from your injuries. At Elstein Legal, we can help you with all aspects of your claim, including going to trial if necessary to ensure you get what you need.
Call us at
(305) 299-2835 or contact us today for a free consultation to discuss your case. There is no fee unless we win your case.


Due to the limited capacity to adjudicate visa applications during the COVID-19 pandemic, the Department of State (DOS) announced the extension and expansion of its nonimmigrant visa interview waiver program through Dec. 31, 2022. Currently, U.S. consular officers may waive the in-person interview requirement for applicants who are
renewing any type of nonimmigrant visa in the same visa category within 48 months of its expiration. That authorization has now been extended indefinitely.
On Dec. 23, 2021, DOS, in consultation with the Department of Homeland Security, granted consular officers through the end of 2022, the authority to waive the in-person interview requirement for certain nonimmigrant visa applicants and their qualifying derivatives who have a petition approved by the U.S. Citizenship and Immigration Services (USCIS). The expanded authority applies to H-1, H-3, H-4, L, O, P and Q applicants, provided the applicants meet certain conditions.
In addition, the DOS extended through the end of 2022 the previously approved policies to waive the in-person interview for other select visa types, including
F, M, and academic J visas. Certain H-2 applicants (temporary agricultural and non-agricultural workers) may also bypass the in-person interview requirement.
This new authorization applies to temporary workers who were previously issued any type of visa and first-time visa applicants who meet the specific criteria stated below. The standard eligibility criteria for
all applicants is to apply for a visa in their country of nationality or residence. Eligibility criteria for applicants who were previously granted a visa Applicants have previously been issued any type of visa; Applicants have never been refused a visa unless such refusal was overcome or waived; and Applicants have no apparent or potential ineligibility to receive a visa. Eligibility criteria for applicants applying for an initial visa Applicants have no apparent or potential ineligibility to receive a visa; and Applicants have previously traveled to the U.S. using an authorization obtained via the Electronic System for Travel Authorization (ESTA). Implementation of the interview waiver policies is discretionary
U.S. embassies and consulates can choose not to implement the interview waiver policies; thus, consular officers have the discretion to require an in-person interview on a case-by-case basis. Therefore, visa applicants are encouraged to check the U.S. embassy or consulate’s websites to confirm the level of services offered and to find guidelines for applying for a visa without an interview. These policies only extend and expand the eligibility for a waiver of the
in-person interview associated with the visa application process at a Consulate outside the United States. Applicants must still be present in the relevant country to process their visa application. Given the references to “nationality and residence,” it is unlikely third-country nationals, visiting a given country, will be eligible for an interview waiver under these new policies. However, DOS could issue further guidance or modifications to these requirements. Rescission of COVID-related Travel Restrictions on South Africa and Surrounding Countries
On December 29, 2021, President Biden issued a presidential proclamation revoking the COVID-19 related travel restriction imposed last month on the eight southern African nations, Botswana, Eswatini, Lesotho, Malawi, Mozambique, Namibia, South Africa, and Zimbabwe, due to the spread of coronavirus variant Omicron. The revocation and lifting of this travel ban will be effective at 12:01 am EST on December 31, 2021.
Please keep in mind, global vaccination and COVID testing requirements remain in place for US-bound travelers. Further details about these requirements, including the exceptions and waivers due to humanitarian concerns, is available at the Centers for Disease Control and Prevention website.
Squire Patton Boggs will continue to monitor and provide updates on these fast-moving developments.


Integrated Load Switches Bring Efficient Load Management and Reliable System Protection
In battery-powered devices, a power switch can help provide extra safety, as well as isolate parts of a circuit or sub-systems from the battery supply when not in use. This can significantly extend the lifetime of a battery cell, which is how some products today can achieve many years of operation from a single cell. As a load switch, a conventional electromechanical relay is not very flexible. Similarly, as a safety device, a fuse is not versatile. A solid-state power switch provides a much more versatile, flexible, and useful solution. They are small enough to be integrated into any electronic products, even wearables, and IoTs.
Please note:
By downloading a white paper, the details of your profile might be shared with the creator of the content and you may be contacted by them directly.


Aimed at halting the current dengue outbreak on Rarotonga, Operation Namu21 continues this week, with health ministry Te Marae Ora leading and coordinating a government-wide, multi-ministry approach to stopping the spread of the mosquito-borne virus
Operation Namu 2021 (a mass-clean up programme) will be launched on Rarotonga from 12 February to eliminate mosquito breeding sites.
The government is urging the public to help reduce the number of mosquitos in the wake of confirmation of 8 Dengue cases.
The dengue outbreak in the Cook Islands is now officially over. There have been no confirmed cases reported since early September, with only two probable cases reported in the six weeks from mid-September to the end of October.
A 400 metre radius of cleared vegetation around homes is required to reduce breeding sites for mosquitoes. We need our communities to be on alert and take practical measures to reduce spread of dengue fever.
Since declaring DENV-1 in Rarotonga earlier this year, dengue notifications to the Ministry of Health now total 24 cases (18 confirmed, six probable) with half being female.
The Ministry of Health has declared a dengue outbreak following the confirmation of seven dengue cases in Rarotonga in the past month. Of these cases, one was a visitor from French Polynesia with dengue serotype 3 (DENV-3), while others were dengue serotype 1 (DENV-1).
Four cases of dengue have been recently confirmed in Rarotonga. This follows the diagnosis of dengue three weeks ago in a visitor who arrived from French Polynesia.


The Centers for Medicare & Medicaid Services (CMS) has released a revised Special Focus Facility (SFF) Program policy memo QS0-23-01-NH and updated the monthly SFF posting. These revisions are meant to increase the requirements for completion of the program and enforcement for facilities that do not demonstrate improvement. A high-level overview of key changes made in the revised memo are as follows:
Adding staffing levels as a consideration for SFF selection: CMS has directed states to consider a facility’s staffing level when selecting facilities for the SFF program. CMS recommends if a state is considering two candidates with a similar compliance history, it should select the facility with lower staffing ratios/rating as the SFF.
Increased Criteria for Completion of the Program: CMS has added a threshold that prevents a facility from exiting based on the total number of deficiencies cited. To graduate from the program, facilities must complete two consecutive standard health surveys, with no intervening complaint, LSC, or EP surveys with 13 or more total deficiencies, or any deficiencies cited at scope and severity of “F” or higher.
Involuntary Termination: SFFs with deficiencies cited at immediate Jeopardy (IJ) on any two surveys (standard health, complaint, LSC, or EP) while in the SFF program, will now be considered for discretionary termination.
Increasing enforcement actions: CMS will impose immediate sanctions on an SFF that fails to achieve and maintain significant improvement in correcting deficiencies on the first and each subsequent standard health, complaint and LSC/EP survey after a facility becomes an SFF. Enforcement sanctions will be of increasing severity for SFFs demonstrating continued noncompliance and failure to demonstrate good faith efforts to improve performance.
Incentivizing sustainable improvements: CMS will closely monitor graduates from the SFF program for a period of three years to ensure improvements are sustained. For SFFs that graduate but continue to demonstrate poor compliance identified on any survey (e.g., actual harm, substandard quality of care, or IJ deficiencies), CMS may use its authority to impose enhanced enforcement options, up to, and including discretionary termination from the Medicare and/or Medicaid programs.


UNODC and Partners Support Workshops to Prosecute War Crimes and Sexual Violence in Conflict
Abuja, 26 October 2022 – Between 17–21 October, the United Nations Office on Drugs and Crime (UNODC), the Wayamo Foundation and the United Nations Team of Experts of the Rule of Law and Sexual Violence in Conflict, conducted two capacity building workshops for Nigerian investigators and prosecutors on the investigation and prosecution of international crimes, with a special focus on conflict-related sexual violence.
The two workshops were conducted under the framework of the recently established project,
“Strengthening Nigerian Capacity in the Investigation and Prosecution of International Crimes, with a Special Focus on Conflict-Related Sexual Violence” a joint initiative of the three entities. The project, which aims to increase accountability for acts of sexual violence allegedly committed by all parties to the conflict in Northeast Nigeria, seeks to build the capacity of prosecutors from the Federal Ministry of Justice’s Complex Case Group (CCG) and Sexual and Gender Based Violence (SGBV) Prosecution Hub, as well as investigating and prosecuting officers from the Nigerian Armed Forces.
Although conflict-related sexual violence (CRSV) is not yet specifically recognized as a distinct offence under Nigerian law, the project aims to broaden the collective understanding of acts that amount to CRSV, such as sexual slavery, forced marriage, forced pregnancy, that fall outside more commonly acknowledged forms of sexual violence in Nigeria, such as rape and sexual harassment, captured by the Criminal Code, Penal Code and Violence Against Persons Prohibition Act. The project also seeks to emphasize the gravity and distinctiveness of CRSV, as a form of sexual violence not committed in isolation, but in the context of widespread armed violence, including by terrorist groups.
The absence of national legislation on CRSV poses a challenge for Nigeria in meeting its international legal obligations to investigate and prosecute war crimes and crimes against humanity. In response to this lacuna, the workshop highlighted the importance of legal innovation, both in terms of how the existing law is interpreted and by leveraging some of the new technological tools that have become available. Participants explored new ways to utilize the existing offences enshrined in the TPPA to charge acts of CRSV. While in the technological context, the Digital Programme Team at Wayamo briefed the participants on the new digital evidence management tool that Wayamo, in collaboration with UNODC, has introduced to the Joint Investigation Centre (JIC) in Maiduguri and the CCG in Abuja.
The workshop also provided an opportunity for participants to discuss ways to strengthen inter-agency collaboration between CCG prosecutors and JIC investigators to ensure a joint and cohesive approach to screening, interviewing, evidence recovery, case file preparation, and charging offences. Underscoring inter-agency collaboration in the period leading up to the UN’s annual 16 Days of Activism on Gender Based Violence which run from 25
th November to 10th December is particularly timely, and aligns with this year’s global theme: “UNITE! Activism to end violence against women and girls”.
Sexual violence in conflict has historically been under reported and under prosecuted, Nigeria must be congratulated in taking important steps to ensure that the individuals responsible for this most insidious terrorist tactic are held to account.
This activity supports the implementation of UNODC's Strategic Vision for Nigeria in particular as concerns protecting women and children from sexual and gender based violence and exploitation.


Veins Blockage
The commonest cause of Veins Blockage is clots in the veins. These could be superficial or deep veins. If it involves the deep veins it is called deep vein thrombosis (DVT) and if it involves the superficial veins it is superficial thrombophlebitis. If the clot reaches the lungs it blocks the pulmonary artery causing pulmonary embolism.
Deep Vein Thrombosis (DVT) Blood clots form in the deep veins of the legs and pelvis blocking the normal blood flow from the legs to the heart. Clots in the veins are slow to moderately flowing and are made of a mixture of red cells, platelets, and fibrin and known as mixed platelet-fibrin thrombi. Clots that partially block the veins may be asymptomatic until there is a significant reduction in flow. Clotting below the knee – your body repairs this in 90% by finding a way around the blockage and restoring blood flow which takes 6 months. During this time the patient gets anticoagulants and is monitored by serial ultrasounds. Blockage above the knee – causes veins hypertension in 40 – 60% cases causing pain and swelling which further restricts blood flow leading to discoloration and ulceration. Pulmonary Embolism This is a condition when a portion of the clot or whole of the clot moves from the site of thrombosis and moves via the circulation to the lungs where it blocks the pulmonary vessels. The size of the clot and the location of the blocked blood flow in the vessel determine the extent and the severity of PE. Clots closer to the body center (proximal clots) are more likely to lead to a deadly PE compared to clots in the calf veins. The occurrence of deadly PE can greatly reduce if DVT is treated with anticoagulant therapy. certain genetic factors, Medical conditions like obesity and pregnancy, certain medications, lifestyle changes like smoking, sedentary life, increase the risk of DVT. Superficial vein swelling (Thrombophlebitis) This is due to blood clots in veins nearer to the skin and associated with inflammation. Superficial thrombophlebitis is observed in people who are homozygous or heterozygous for Factor V Leiden mutation.
Content Reviewed by – Dr. Jaisom Chopra


What would you do if you were given a binary service that contained multiple vulnerabilities and were told you must run and defend that binary for the next 3 days? And oh, by the way, you don’t get root, virtual machines, docker containers, firewall configs, or any other form of privileged access. This is exactly the challenge faced in elite attack/defense capture the flag competitions. Many of the lessons learned from these war-games can reveal new defensive opportunities in real world scenarios. This talk will discuss realistic strategies and techniques available in such a precarious defensive position. We will go far beyond simply finding bugs and patching them in the binary. For example, how might we analyze and filter network traffic without network, firewall, or root access? Could stack frame and heap allocation sizes be patched and why would that matter? How can we limit disk access as a regular user? What can we do to determine if we were exploited? All of these questions will be answered during the talk.


Knowles, Bran (2022)
Humble Machines:Attending to the Underappreciated Costs of Misplaced Distrust. In: 2022 ACM Conference on Equity and Access in Algorithms, Mechanisms, and Optimization. ACM, New York.
EAAMO_22_paper_46.pdf - Accepted Version
Available under License Creative Commons Attribution-NonCommercial.
Download (627kB)
Abstract
It is curious that AI increasingly outperforms human decision makers, yet much of the public distrusts AI to make decisions affecting their lives. In this paper we explore a novel theory that may explain one reason for this. We propose that public distrust of AI is a moral consequence of designing systems that prioritize reduction of costs of false positives over less tangible costs of false negatives. We show that such systems, which we characterize as 'distrustful', are more likely to miscategorize trustworthy individuals, with cascading consequences to both those individuals and the overall human-AI trust relationship. Ultimately, we argue that public distrust of AI stems from well-founded concern about the potential of being miscategorized. We propose that restoring public trust in AI will require that systems are designed to embody a stance of 'humble trust', whereby the moral costs of the misplaced distrust associated with false negatives is weighted appropriately during development and use.


Engine breather filter
Engine breather filter Crankcase ventilation
For environmental and public health reasons, emission standards for diesel engines in construction, agricultural, marine and passenger vehicles are becoming increasingly stringent. While modern engines are required to emit cleaner exhaust gases, the same applies to crankcase emissions. These emissions consist mainly of flue gases, which come from small leaks (blow-by) in the piston rings. Once released into the crankcase, these gases become loaded with oil and pose a risk to the engine by generating excessive pressure and contributing to oil consumption. It is therefore essential that the crankcase is well ventilated.
How does the crankcase ventilation work?
In the past, these gases were discharged directly into the ambient air, but today they are returned to the air intake manifold after being filtered. By separating oil particles and impurities from the blow-by gases, the engine breather filter prevents unburnt from mixing with the engine oil and reduces pressure in the crankcase that could damage the seals that seal the lubrication system. The filtered oil from the mist is then returned directly to the crankcase. This closed-loop process reduces emissions and oil consumption in the engine.
How a breather filter works for a modern diesel engine Oil-laden exhaust gases (blow-by) enter the filter A coalescing media retains the oil particles Oil particles fall back into the crankcase Purified gas is returned to the intake manifold All of our solutions Engine breather
Maintenance kit
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Businesses in almost every industry invest heavily in proprietary software applications that provide them with unique competitive advantages in marketing, sales, and fulfillment.
These investments often represent some of the largest capital assets on a firm’s balance sheet. Yet, due to their abstract nature, they are often not managed with the same due diligence as traditional plant, property, and equipment.
Praxent’s CodePath Assessment is designed to help companies quickly:


Researchers destroy cancer cells with ultrasound treatment
An international research team led by Dr. Tali Ilovitsh of the Biomedical Engineering Department at Tel Aviv University developed a noninvasive technology platform for gene delivery into breast cancer cells. The technique combines ultrasound with tumor-targeted microbubbles. Once the ultrasound is activated, the microbubbles explode like smart and targeted warheads, creating holes in cancer cells' membranes, enabling gene delivery. Conducted over two years, the research was published on June 9 in the journal
Proceedings of the National Academy of Sciences (PNAS).
Dr. Ilovitsh developed this breakthrough technology during her post-doctorate research at the lab of Prof. Katherine Ferrara at Stanford University. The technique utilizes low frequency ultrasound (250 kHz) to detonate microscopic tumor-targeted bubbles. In vivo, cell destruction reached 80% of tumor cells.
"Microbubbles are microscopic bubbles filled with gas, with a diameter as small as one tenth of a blood vessel," Dr. Ilovitsh explains. "At certain frequencies and pressures, sound waves cause the microbubbles to act like balloons: they expand and contract periodically. This process increases the transfer of substances from the blood vessels into the surrounding tissue. We discovered that using lower frequencies than those applied previously, microbubbles can significantly expand, until they explode violently. We realized that this discovery could be used as a platform for cancer treatment and started to inject microbubbles into tumors directly."
Dr. Ilovitsh and the rest of the team used tumor-targeted microbubbles that were attached to tumor cells' membranes at the moment of the explosion, and injected them directly into tumors in a mouse model. "About 80% of tumor cells were destroyed in the explosion, which was positive on its own," says Dr. Ilovitsh. "The targeted treatment, which is safe and cost-effective, was able to destroy most of the tumor. However, it is not enough. In order to prevent the remaining cancer cells to spread, we needed to destroy all of the tumor cells. That is why we injected an immunotherapy gene alongside the microbubbles, which acts as a Trojan horse, and signaled the immune system to attack the cancer cell."
On its own, the gene cannot enter into the cancer cells. However, this gene aimed to enhance the immune system was co-injected together with the microbubbles. Membrane pores were formed in the remaining 20% of the cancer cells that survived the initial explosion, allowing the entry of the gene into the cells. This triggered an immune response that destroyed the cancer cell.
"The majority of cancer cells were destroyed by the explosion, and the remaining cells consumed the immunotherapy gene through the holes that were created in their membranes," Dr. Ilovitsh explains. "The gene caused the cells to produce a substance that triggered the immune system to attack the cancer cell. In fact, our mice had tumors on both sides of their bodies. Despite the fact that we conducted the treatment only on one side, the immune system attacked the distant side as well."
Dr. Ilovitsh says that in the future she intends to attempt using this technology as a noninvasive treatment for brain-related diseases such as brain tumors and other neurodegenerative conditions such as Alzheimer's and Parkinson's diseases. "The blood-brain barrier does not allow for medications to penetrate through, but microbubbles can temporary open the barrier, enabling the arrival of the treatment to the target area without the need for an invasive surgical intervention."
More information:Tali Ilovitsh et al, Low-frequency ultrasound-mediated cytokine transfection enhances T cell recruitment at local and distant tumor sites, Proceedings of the National Academy of Sciences(2020). DOI: 10.1073/pnas.1914906117 Journal information:Proceedings of the National Academy of Sciences Citation: Researchers destroy cancer cells with ultrasound treatment (2020, June 24) retrieved 6 December 2022 from https://medicalxpress.com/news/2020-06-cancer-cells-ultrasound-treatment.html


Abstract
Layered tin sulfide semiconductors are both of fundamental interest and attractive for energy conversion applications. Sn sulfides crystallize in several stable bulk phases with different Sn:S ratios (SnS
2, Sn 2S 3, and SnS), which can transform into phases with a lower sulfur concentration by introduction of sulfur vacancies (V S). How this complex behavior affects the optoelectronic properties remains largely unknown but is of key importance for understanding light-matter interactions in this family of layered materials. Here, we use the capability to induce V S and drive a transformation between few-layer SnS 2 and SnS by electron beam irradiation, combined with in-situ cathodoluminescence spectroscopy and ab-initio calculations to probe the role of defects in the luminescence of these materials. In addition to the characteristic band-edge emission of the endpoint structures, our results show emerging luminescence features accompanying the SnS 2 to SnS transformation. Comparison with calculations indicates that the most prominent emission in SnS 2 with sulfur vacancies is not due to luminescence from a defect level but involves recombination of excitons bound to neutral V S in SnS 2. These findings provide insight into the intrinsic and defect-related optoelectronic properties of Sn chalcogenide semiconductors.


The liver performs over 500 vital body functions. In addition to its critical role of detoxifier and filter, it is also essential in digestion, energy production, and blood production and use. Futurebiotics Silymarin PlusTM combines Milk Thistle extract, standardized for 80% silymarin, with other supportive herbs and nutrients including Dandelion root. This unique, vegetarian formula helps nutritionally support healthy liver function.*
441 mg of Silymarin from Milk Thistle extract per daily dose
Nutritionally supports healthy liver function*
100% vegetarian tablets
Includes Futurebiotics exclusive BioAcceleratorsTM
Suggested Use As a dietary supplement adults, take 3 tablets daily or as directed by a healthcare professional. Do not use if you are pregnant or nursing. - Or as directed by your healthcare professional.
Supplement Facts
Serving Size 3 Tablets
Amount Per Serving
% Daily Value***
Milk Thistle seed extract standardized for 80% 420 mg silymarin


Abstract
Background: Global climate change together with growing desertification is leading to increased dust emissions to the atmosphere, drawing attention to possible impacts on marine ecosystems receiving dust deposition. Since microorganisms play important roles in maintaining marine homeostasis through nutrient cycling and carbon flow, detrimental changes in the composition of marine microbiota in response to increased dust input could negatively impact marine health, particularly so in seas located within the Global Dust Belt. Due to its strategic location between two deserts and unique characteristics, the Red Sea provides an attractive semi-enclosed “megacosm” to examine the impacts of large dust deposition on the vastly diverse microbiota in its exceptionally warm oligotrophic waters. Results: We used culture-independent metagenomic approaches to assess temporal changes in the Red Sea microbiota in response to two severe sandstorms, one originated in the Nubian Desert in the summer 2016 and a second one originated in the Libyan Desert in the spring 2017. Despite differences in sandstorm origin and meteorological conditions, both sandstorms shifted bacterial and Archaeal groups in a similar mode. In particular, the relative abundance of autotrophic bacteria declined while those of heterotrophic bacteria, particularly Bacteroidetes, and Archaea increased. The changes peaked within six days from the start of sandstorms, and the community recovered the original assemblage within one month. Conclusion: Our results suggest that increased dust emission with expanding desertification could lead to undesirable impacts in ocean function, enhancing heterotrophic processes while reducing autotrophic ones, thereby affecting the marine food web in seas receiving dust deposition.
Keywords Global climate changes Increased dust emission Marine microbiota Metagenomics ASJC Scopus subject areas Biotechnology Genetics


Abstract
Cells precisely control their mechanical properties to organize and differentiate into tissues. The architecture and connectivity of cytoskeletal filaments changes in response to mechanical and biochemical cues, allowing the cell to rapidly tune its mechanics from highly-crosslinked, elastic networks to weakly-crosslinked viscous networks. While the role of actin crosslinking in controlling actin network mechanics is clear in purified actin networks, its mechanical role in the cytoplasm of living cells remains unknown. Here, we probe the frequency-dependent viscoelastic properties of the cytoplasm in living cells using multiharmonic excitation and
in situ optical trap calibration. At previously unexplored long timescales, we observe that the cytoskeleton fluidizes. The mechanics are well-captured by a model in which actin filaments are dynamically connected by a single dominant crosslinker. A disease-causing point mutation (K255E) of the actin crosslinker α-actinin 4 (ACTN4) causes its binding kinetics to be insensitive to tension. Under normal conditions, the viscoelastic properties of wild type (WT) and K255E+/− cells are similar. However, when tension is reduced through myosin II inhibition, WT cells relax 3x faster to the fluid-like regime while K255E+/− cells are not affected. These results indicate that dynamic actin crosslinking enables the cytoplasm to flow at long timescales.


Lenders need to consider the scope and extent of the
Phase I Environmental Site Assessment (“Phase I ESA”) they routinely utilize in connection with the acquisition and financing of real estate projects. The Environmental Protection Agency (“EPA”) announced its intent to adopt a new standard expanding the scope of review on May 13, 2022.
The proposed standard would not replace or supersede the existing rule but would create a second set of standards for environmental consultants who are routinely engaged by banks, lending companies, and other institutions in connection with loans used for real estate projects.
EPA approved
ASTM International (ASTM) Standard E1527-21 as an additional standard meeting the “ all appropriate inquiries” (“AAI”) component for potential liability protections under the Comprehensive Environmental Response, Compensation, and Liability Act (“CERCLA”).
AAI is a process to evaluate the environmental history and condition of real property to assess potential liability for contamination by way of a Phase I ESA. AAI requirements apply to any party,
including a lender, who can potentially claim protection from CERCLA liability as an innocent landowner, contiguous property owner or bona fide prospective purchaser.
Lenders that hold mortgages on real property as secured lenders are exempt from CERCLA liability if certain criteria are met. CERCLA Section 101(20) contains a secured creditor exemption that eliminates owner or operator liability for lenders who hold ownership in a CERCLA facility primarily to protect their security interest in that facility, provided they do not “participate in the management of the facility.”
Generally, participation in the management applies if a bank exercises decision-making control over a property’s environmental compliance, or exercises control at a level similar to a manager of the facility or property. Participation in management
does not include actions such as conducting property inspections, requiring a response action to address contamination, providing financial advice or renegotiating or restructuring the terms of the security interest.
The secured creditor exemption also provides that foreclosure on a property does not result in liability for a lender, provided the lender takes “reasonable steps” to divest itself of the property “at the earliest practicable, commercially reasonable time, on commercially reasonable terms.” Generally, a bank or other lender can maintain business activities and close down operations at a property as long as the property is listed for sale shortly after the foreclosure date or at the earliest practicable, commercially reasonable time. For now, the standards will co-exist and either standard can be utilized.
Among the most significant differences between the standards:
Under the new standard, the consultant would be seemingly directed to consider risk factors that the consultant could have ignored under the previous standard, possibly resulting in more conservative conclusions. Phase I ESA conclusions rely on the judgment of the environmental professional, meaning different consultants can, and do, arrive at different classifications after evaluating the same property. A lender should be aware of the different standards and make an inquiry as to which standard is being utilized by its consultant. While the existing standard is still (for the time being) accepted by EPA as satisfying the AAI requirement for liability protection, it is, perhaps, foreseeable that as time goes on, the existing standard may leave lenders vulnerable to claims that a Phase I ESA conducted under that standard was intentionally less searching and is, accordingly, insufficient to shield the lender from underlying conditions giving rise to CERCLA liability. This could potentially spawn litigation seeking to strip lenders of CERCLA liability protection for a Phase I ESA conducted under the existing standard. The new standard could be interpreted further to direct an environmental consultant to rely on the environmental professional’s experience regarding the likelihood of certain conditions resulting in releases, instead of discounting the risks associated with such activities based on the lack of current “indications of a release.” The new standard would require the Phase I ESA to set forth the environmental professional’s basis for identifying controlled recognized environmental concerns (CRECs), along with copies of the underlying regulatory documentation supporting such conclusion. For the prospective purchaser or lender, this is a positive change because it will permit the user to better understand the risks associated with the property and provide the user with the source documents for any continuing obligations at the property regarding a remedy. Under the proposed new standard, the Phase I ESA is valid for 180 days from the date of review of the first of five elementsby the environmental professional, such that depending on the length of time needed to complete the review, the “shelf life” of the completed Phase I ESA could be less than six months. Under the existing standard, the 180-day period runs from the date of issuance of the report. In both cases, the Phase I ESA can be extended to one year. Certain historical sources must be addressed in the Phase I ESA, including aerial photographs, fire insurance maps, local street directories, topographic maps, building department records, interviews, property tax files, and zoning/land use records, with an explanation if certain material is missing. The new standard clarifies that emerging contaminants will become subject to Phase I ESA review once they are classified as hazardous substances under CERCLA. Until such time, lenders may want to discuss the risks and benefits of including certain emerging contaminants under the scope of the Phase I ESA with their environmental consultant and legal counsel. Practically speaking, a Phase I ESA may become more costly under the new standard, resulting in additional cost to borrowers and purchasers.
Harris Beach PLLC and its attorneys are available to assist banks and other lenders to better understand the revised standard for a Phase I ESA and to address the implications for lender due diligence and loan documentation.
If you have any questions, please contact the Harris Beach attorney with whom you usually work. Melanie Marotto can be reached at mmarotto@harrisbeach.com or (716) 200-5230, Gene Kelly can be reached at gkelly@harrisbeach.com or (518) 701-2740, and Frank Pavia can be reached at fpavia@harrisbeach.com or (585) 419-8709.
This alert is not a substitute for advice of counsel on specific legal issues.
Harris Beach has offices throughout New York state, including Albany, Buffalo, Ithaca, New York City, Rochester, Saratoga Springs, Syracuse, Uniondale and White Plains, as well as Washington D.C., New Haven, Connecticut and Newark, New Jersey.


ARE THERE ALTERNATIVES TO GOING TO JAIL? June 12, 2022
In the Commonwealth of Kentucky, a defendant convicted of an offense is usually punished through imprisonment in county jail or state prison. The major purpose of incarceration is to deprive the offender of their liberty and protect the immediate society against crime. However, imprisonment has several drawbacks on the lives of the defendant, their loved ones, and American society.
Furthermore, imprisonment institutionalizes a defendant and causes loss of family connections. The physical and mental health of the prison will also be exposed to the negative impact of jail or prison. Fortunately, there are other alternative sentencing options that can properly caution, reform or rehabilitate the defendant. An experienced
Kentucky criminal defense attorney can enlighten you about your alternatives to going to jail and help protect your legal rights.
At the Law Offices of John Schmidt & Associates PLLC, we are dedicated to offering knowledgeable legal counsel and reliable representation to clients in alternative sentencing matters. Our trusted attorneys can evaluate the different state statutes and rules addressing your personal situation and help you understand your possible alternative to imprisonment. We're proud to represent clients across Shepherdsville, Jeffersontown, Louisville, Elizabethtown, Radcliff, and Mount Washington, Kentucky.
Understanding Alternative Sentencing
Alternative sentencing can be described as various kinds of punishment that a court can impose on a convicted defendant, besides incarceration in county jail, state prison, or the death penalty. The primary aim of alternative sentencing is to encourage reform and rehabilitation while awarding a fitting punishment to the defendant.
What Are the Benefits of Alternative Sentencing?
Here are some benefits of alternative sentencing:
It encourages reform and rehabilitation.
It helps the offender to avoid institutionalization.
It improves the prospects of successful recovery.
It allows the offender to learn essential life skills and lessons.
It helps prevent potential risks of relapse.
It helps mitigate the adverse consequences of imprisonment on the defendant's physical and mental health.
It ensures that county jails and state prison spaces are used effectively.
Defendants will have better access to safe addiction treatment, support, and professional counseling during their rehabilitation period.
It reduces the community cost of running jails and prisons, thereby saving taxpayers' money.
Essentially, every party, including the defendant, community, and state, can benefit from alternative sentencing. An experienced criminal defense attorney can review every last detail of your case and help decide the right sentencing alternative for your personal situation.
Types of Alternative Sentencing
Eligibility for alternative sentencing in Kentucky usually depends on the defendant's criminal record, the type, seriousness, and severity of the offense. Here are some of the sentencing alternatives in the Commonwealth of Kentucky:
Pretrial Diversion Program
A pretrial diversion program is available to defendants facing charges for misdemeanors or minor felonies in Kentucky. The program will require the defendant to participate in community service or attend rehabilitation. To be eligible for a pretrial diversion program,
You must be facing misdemeanor or Class D felony allegations.
You must have no prior felony conviction within the previous ten years before the current offense.
You must not be on parole, probation, or released from prison for a felony within the previous ten years.
Upon completing the diversion program, the defendant can avoid jail time and other criminal penalties. The charges may also be removed from your criminal record.
House Arrest
House arrest – commonly referred to as Home Incarceration with Electronic Monitoring – is a sentencing alternative that requires the defendant to be confined at home and fitted with an electronic monitoring device (ankle bracelet). The ankle bracelet will be used to monitor the defendant's whereabouts.
In Kentucky, house arrest may be ordered if the judge believes that the defendant will rehabilitate better while staying within their immediate community. If the defendant moves out of the allowable area/range, the ankle bracelet will notify the monitoring unit or probation department through a transmitting signal.
Community Service
Under
Kentucky Revised Statute Section 533.070, the court may " sentence the defendant to work at community service-related projects" if imprisonment isn't required or as an alternative to jail. In court-ordered community service, the defendant will work for the state, an agency, a county, city, urban-county government, special district, nonreligious-sponsored nonprofit, or charitable organization. The defendant may be asked to:
Perform voluntary or unpaid work within the community or city
Speak at a program, event, or school about the implications of violating the law
Handle treatment programs or meetings at the facility
Counsel or sponsor other substance abusers
Probation
Under Kentucky law, probation may be imposed as an addition or alternative to imprisonment. Probation eliminates or reduces the time that a defendant must spend in prison or jail. Conditions for probation shall be imposed by the Kentucky court. Violating any conditions of the probation may result in harsh consequences, including probation revocation, further sentencing, fines, or jail time.
However, there are numerous other alternative sentencing options available to defendants in the Commonwealth of Kentucky, depending on their unique circumstances. A skilled defense counsel can fight for your best interests and attempt to negotiate a favorable plea deal, including possible alternatives to imprisonment.
Trust a Skilled Criminal Defense Attorney
A criminal conviction in Kentucky can have far-reaching, immediate, and life-long implications on your personal reputation, quality of life, liberty, career, and future opportunities. However, this doesn't necessarily mean you must serve jail or prison time. There are other alternatives to jail that allow you to serve your punishments without being incarcerated. A skilled criminal defense attorney can explore your different legal options and help you make intelligent decisions.
At the Law Offices of John Schmidt & Associates PLLC, our attorney has the resources, expertise, and diligence to guide and represent individuals searching for alternatives to incarceration. As your legal counsel, we can investigate every aspect of your case thoroughly, help you understand your available sentencing options, and determine whether you are eligible.
Contact the Law Offices of John Schmidt & Associates PLLC today to schedule a simple case assessment with knowledgeable criminal defense lawyers. We're proud to represent clients across Shepherdsville, Jeffersontown, Louisville, Elizabethtown, Radcliff, and Mount Washington, Kentucky.


A man wants a woman who views him as the hero he's always wanted to be. When you do, you may be surprised by how heroic he actually is. That's manliness, ladies. He'd die for you if necessary. Now if that's not a hero, what is?
If you want a man to love and commit to you. Don't treat him like a project. Don't modify his clothes, friends, speech, or hobbies. Find someone you can respect and appreciate as-is. When he needs aid, he'll ask.
Men can protect and provide for women. If he risks his life to protect yours and invests his time, energy, and fortune to provide for you, all he wants is thanks. Men enjoy women who appreciate his efforts, even if he can't give them everything they want.
A woman's beauty and grace attract men, as does her nurturing nature. Before you call that sexist, we're talking about two individuals who join a cooperative relationship to love, care for, and improve each other's lives. The beauty of a partnership is when both parties want to give.
Men are simple. By fixing problems, they prove themselves and occasionally they may make the mistake of trying to fix you.If you're continuously dissatisfied, he'll feel like a failure and try to separate himself from you.
Honour is important to true male energy and its rule of conduct. Whether they're actual soldiers or metaphorical "warriors" on the field, having your partner's back is crucial. A man won't commit to you if he doesn't think you'll protect him.
Women often try to define a relationship or bind a man too fast. Her demand for "security" conflicts with his desire for independence. When you find out why he won't give it up, you'll understand. Be courteous and don't rush him; he'll exchange his freedom for something better.
Be sure to show him that he has your undivided attention by maintaining eye contact with him for extended periods of time; this has been shown in a landmark study to increase the likelihood that two people will fall in love.
People who use open body language are perceived as more beautiful and desired. Lean toward him, avoid sealing off your body by crossing your arms, and turn your chest to face him. The presence of these nonverbal clues is guaranteed to heighten his interest in you.
If he doesn't realise you're interested, he probably won't reciprocate. Vulnerability is the key to a good relationship and true love and makes you feel closer emotionally. You'll be in his mind and heart. When his heart opens and "feeling" enters the equation, he'll see your "logical" benefits.


Food safety has never been more important. Protecting customers while remaining FSMA compliant is a continuous task for restaurants, food retailers and food suppliers.
Food service providers must maintain detailed checklist logs proving your staff is adhering to safe food practices. In addition, equipment must be maintained according to established schedules for efficient, safe operations.
Build your own checklist to ensure compliance with any process, audit or critical control points.
Procurant Task is part of the Procurant platform of perishable food supply chain solutions.


After the Texan abortion ban -known for being the most restrictive ban of its kind in the country- went into law at the beginning of September, one of the main critiques was the lack of exceptions to terminate pregnancies in cases of rape or incest.
As the critiques grew louder, state Rep. Lyle Larson claimed having heard different perspectives on the issue, reaching the conclusion that these exceptions are needed. Consequently, he filed legislation to amend the law.
However, the bill has encountered negative reactions on both sides of the political spectrum. Anti-abortion advocates have labeled the initiative as “ridiculous” while pro-abortion advocates have said, “the damage has already been done.”
Facing a tough road ahead, the bill would need to be added to the agenda of the third special session by Governor Greg Abbott, who has not given any signs of approval but has limited his comments to stating he would “eliminate all rapists from the streets of Texas”.
Larson sent a letter to Governor Abbott on Wednesday, referring to his bill as a “common-sense fix” that maintains the intent of the law, which bans abortions as early as six weeks, while allowing exemptions consistent with “the traditional philosophy.”
“Governor, we both know that none of us have the power to prevent rape in this state,” Larson wrote. “While your comment that we must work to end rape in this state was well-intentioned, it ignores reality.”
According to the Texas Tribune, state Rep. Donna Howard, D-Austin, chair of the House Women’s Health Caucus, said Texas Democrats raised the issue of exemptions throughout the legislative process and even sought out Republican legislators who might carry an amendment to add them. Raising the issue now, she said, looks like an attempt to lessen the pushback against the most restrictive abortion law in the nation.
In 2019, Texas reported 14,656 instances of rape, though that number is almost certainly an undercount. A 2015 University of Texas at Austin study found that more than 90% of sexual assaults in the state are not reported to law enforcement.
“The only way to ensure all survivors are captured would be to make it clear that self-reporting is the only qualification necessary to receive the exception,” Howard said. “We must ensure that we’re not causing any additional harm by placing the burden of proof on the survivor.”


A LIFE WITHOUT PAIN - CIPA Congenital insensitivity to pain with anhidrosis (CIPA) What is CIPA? CIPA or hereditary sensory; Type IV autonomic neuropathy is a rare autosomal recessive genetic disorder characterized by a disorder of the nervous system which includes insensitivity to pain, lack of thermal sensitivity temperature and inability to sweat. Individuals affected with CIPA are unable to live a normal since they must always check for bruises, cuts and other possible self injuries. Therefore, in most cases the patient doesn’t live over the age of 25. What are the causes?
CIPA is caused by a genetic mutation which prevents the formation of nerve cells which are responsible for transmitting signals of pain, heat, and cold to the brain.
Mutations in gene NTRK1 cause CIPA. This gene encodes for allowing receptor proteins to bind with protein (NGFB), this allows signals to be passed along. However, the mutation in NTRK1 prevents the receptors to bind properly, causing the sensory nervous system to be unable to pass on signals. Without the proper signaling, neurons die by a process called apoptosis. Loss of neurons therefore leads to the inability to feel pain and make a response to potentially harmful stimuli such as intense chemical, mechanical, or thermal stimuli (heat or cold). Moreover, individuals with CIPA lose nerves which leads to their sweat glands which prevents them from sweating.
Symptoms:
High risk for accidental self-mutilation such as biting the tongue, lips, or fingers
Extremely high fevers and seizures brought by inability to sweat
Corneal ulceration occurs due to lack of protective impulses
Joint and bone issues due to repeated injuries
Wounds heal poorly
About half of affected individuals show mental disabilities due to lack some neurons in the brain
Diagnosis:
In the past, the diagnosis of CIPA is suspected in infants and children with recurrent fever and biting of the tongue, lips, or fingers and older individuals with repeat traumatic injuries. However, the diagnosis can now be confirmed through genetic testing.
Treatment:
There is still no cure for CIPA. However, controlling body temperature, preventing self-injury, and treating orthopedic problems is necessary.
Inheritance pattern:
CIPA are inherited in an autosomal recessive pattern, meaning that both copies of genes have completely mutated. Parents of CIPA patients each carry one copy of the mutated gene but do not show the signs and symptoms of the disease.


Shifting from a three-phase to a single-phase power system is a commonplace need. It is because a single-phase load is relatively lower than a three-phase. For example, power for household use is the 3phase to single-phase type. Most home appliances use low power, which makes the single-phase the feasible option.
You can opt to remain with three-phase power, which is only helpful in running heavy machinery. Therefore, if you intend to meet the typical household uses, a single-phase is a reasonable alternative. You can quickly achieve this by having the right equipment.
If you have such a need, read on.
3phase to Single-phase –What is Three-phase Power? Figure1: A 3 phase Power Supply System
Three-phase power is AC carried by three live wires and one neutral. All the phases have the same voltage and amplitude, set at a phase difference of 120 degrees. Most people use Three-phase power for industrial purposes as its carries a larger volume of current.
3phase to Single-phase –What is Single-phase Power? Figure 2: A Single-phase Power Supply System
When one single live wire and a neutral are used to carry current, this is a single-phase system. Therefore, only one wire has current, unlike in a three-phase with three wires.
Is 3 Phase Better Than the Single Phase?
When considering the volumes of power loads, the three-phase is better than the single-phase. The three-phase guarantees a stable supply of power at a constant rate. It is not the case for the single-phase system. It is prone to experiencing dips and peaks and thus unfavorable for commercial use.
Also, a three-phase system will supply more power than a single-phase system. A three-phase can provide thrice what a single phase can offer.
Even though the three-phase system uses three wires while the single-phase uses two, the former uses lesser conductor material. For instance, to transmit 120V of power, a single-phase will require more conductor material than a three-phase.
There are instances when a single phase is better than the three phases, especially when considering the use of the power. An individual who only wants the ability to use his household appliances will need single-phase power. Thus, it might be necessary to shift from the superior three-phase power system for such household uses. It is the rationale for converting three-phase to single-phase.
3phase to Single-phase –How to Convert Single-phase to Three-phase
As highlighted above, sometimes, it is necessary to convert a three-phase to a single phase. If that is your cardinal concern, there are several means of shifting three-phase into an easier-to-use power form. You need to have the right equipment. Every transformation system is unique, but its cardinal aim is to convert power to the same format. Nonetheless, some are more accurate and effective than others. Therefore, you need to pick the one that best fits your needs.
Among the most common ways include:
Use a Neutral Wire Figure5: A Simple Electrical Circuit
It is the most common and accessible means of conversion and is ineffective in giving the desired current. You, therefore, need to be careful when doing it. You need to ignore two phases out of the three live wires to use it. You then use a single-phase with a neutral wire, making it a single-phase system.
Nonetheless, it is not a too accurate technique. It is advisable to use only when you do not require a stable and precise power supply. Otherwise, it’s one of the simplest ways of conversion. Also, unlike other conversion techniques, you do not need to invest in any converting device.
Use a Phase Converter Figure 6: A Phase Converter Unit
A professional would advise using a phase converter instead of a neutral wire. This technique is more effective in giving a real conversation than the unbiased wire method. All you need is an electronic converter that first converts the AC to DC. A phase converter can then convert this current to a single-phase AC.
The technique is straightforward; you require a rectifier and are ready.
3phase to single-phase –Use a Single Phase Transformer
As shown above, you do not necessarily have to go through the hassle of converting power to DC and back to AC. When you invest in a suitable transformer, you can quickly realize the desired outcome.
However, this method only applies when dealing with power less than 5 KVA. For higher power, it would be imperative to use another technique.
Use the Open Delta Transformer Figure 8: A Simple Transformer Silhouette
It is the ideal technique for converting more than 5 KVA three-phase power to a single phase. This transformer is powerful and well-built to facilitate high power conversions.
3phase to single-phase –Use the Le-Blanc Transformers Figure 9: Side View of a Simple Transformer Silhouette
It is the ideal machine for converting high power, such as currents above 5 KVA and 400 V. The primary upside of this transformer is that it guarantees accurate conversions. Some devices are sensitive to the accuracy of the currency, and this is the best converter for such systems.
This type ranks among the best in the list of powerful transformers fit for converting three-phase to single-phase. It features a unique form of connection that mainly involves a teaser transformer and the main transformer. The two transformers work together to realize the conversion from three-phase to single-phase.
One of the key advantages of these transformers is that it produces a balanced current. It is thus perfectly fit for systems that need a single-phase proportional current.
Conclusion
In a nutshell, some situations may necessitate the conversion of three-phase to single-phase. For instance, a single-phase is imperative to use power for household uses. You can achieve this by using the above-highlighted ways. Also, visit our site for deeper insights on how to convert three-phase to single-phase successfully. We have the necessary equipment to assist you in achieving the best results.


The ending of the constitutional right to abortion played a significant role in the outcome of the US midterm elections. One argument used as the Supreme Court considered overturning Roe v Wade in the summer was that an alternative to termination could be found in safe haven laws.
These exist in every state, allowing troubled mothers to anonymously abandon babies at designated sites shortly after giving birth, without prosecution.
This is the story of three people deeply touched by American safe haven laws.


Please enjoy the following recordings created by CAPS clinicians and Mental Health Peers.
Meditation for working through difficulties
9:45
Join one of CAPS Psychologists, Dr. Molly McDonald, as she guides you through a Meditation for working through difficulties and finding and observing inner strength. This practice focuses on giving your body what it needs, such as confidence, relaxation, and peace, while letting go of what it doesn’t need, such as tension, stress, self-doubt, and pain. Through relying on breath, you can discover and recognize the calm and strength within yourself. Mindfulness Meditation
7:58
The practice of mindful meditation aims to develop a non-judgmental awareness of your body, breath, and thoughts. Incorporating mindful meditation into your daily routine has been backed by research, showing the numerous positive effects of, such as decreasing stress while increasing your ability to focus, cope with pain, and feel connected in your relationships. Join one of CAPS Psychologists, Dr. Danny Zamir, as he guides you through a mindful meditation. Progressive Muscle Relaxation (PMR)
10:16
Stress takes a toll on your body, causing an increase in muscle tension, blood pressure, heart rate. Through mindfully tensing and relaxing each muscle group, progressive muscle relaxation (PMR) releases this tension and brings an awareness to physical sensations. Join one of our CAPS Mental Health Peers, as she guides you through PMR.


Entertaiment is any activity that captivates an audience and gives them pleasure. It may be in the form of theater, music, visual arts, sports events, or any other activity that involves a large group of people. The word entertainment derives from the Old French verb entretenir, meaning “to hold together,” and has come to describe activities that engage an audience.
Activities that give pleasure to an audience
A key function of social media is providing pleasure to audiences. This purpose can be achieved in many ways. One way is through the content. If your audience feels engaged, they are more likely to share their thoughts on the content with others. Another way is through sensory stimulation. Including various sensory experiences in your content can help increase audience engagement. These include physical movement, memories, and feelings.


* For the purposes of this table, the term “direct loans” refers to all types of direct loans, including subsidized direct loans, unsubsidized direct loans, direct loans PLUS and consolidated direct loans.
* FFELs may be eligible for REPAY, PAYE and ICR if first consolidated into direct loans. Federal Perkins loans may be eligible for all IDR plans if consolidated into direct loans. In most cases, loans granted to parents are only eligible for the ICR. To see the Federal Student Aid website for all the details.
The IBR plan has been the most popular IDR plan due to its simplicity and the flexibility it gives borrowers to decide which loans will be included. The REPAYE plan may become more popular as borrowers learn more about it. It has broader eligibility and lower monthly payments. However, each IDR plan has several advantages and disadvantages, and all factors must be considered to determine which plan is the right one.
Below is a comparison table showing the estimated payments due under each IDR compared to the payments due under a standard 10-year student loan. Note the substantial reduction in the monthly payment as well as the increase in the repayment period.
Total student loan debt balance: $30,000
Interest rate: 6.8%
Adjusted gross income: $20,000
Family size: 1